Fall 2021
HEARING BENEFIT
ALL AMERICAN SCHOLARSHIP ANNOUNCED
CATHOLIC MEDICARE SUPPLEMENT INSURANCE
2 | cliu.com
Dear Member:
Safe, Strong, Secure
As we celebrate our 120 year of operations, it is with great pride that we report
that Catholic Life Insurance has experienced a solid first nine months of the year.
Our assets, insurance in force, and surplus continue to grow, despite an uncertain
economy. Our entire team, as pictured on the cover, thanks you for your support
and continued loyalty, especially during these diicult and challenging times.
As you will see on page 4, A.M. Best, a respected industry analyst, has reairmed
our strength and stability for the 38 year.
Medicare Open Enrollment
If you are eligible for Medicare Supplement Insurance and wish to change your
coverage or provider or want to compare costs, the open enrollment season kicks
o on October 15. We invite you to turn to page 8 to learn more about the direct-
to-consumer plan that we oer.
Seminarian Scholarship Program
As a faith-based organization, promoting vocations is essential to us. Recently,
we awarded scholarships to four men studying for the priesthood. In addition,
since 1987, we have provided financial support to 153 men who have attended 18
seminaries worldwide. Please see page 7 for this year's recipients.
All American Scholarships
One of the many benefits of membership is our All American Scholar Program.
In 2021, we will award a $1,000 scholarship to 35 high school seniors. Please see
pages 14-16 for the rules for applying and an application.
We Continue to Care
Many Branches have decided not to meet this year due to the coronavirus
pandemic. Nevertheless, our volunteer Branch Oicers have been hard at work
on your behalf. They have given thousands of dollars to food banks, homeless
shelters, and churches to feed those who are hungry or in need.
In closing, thank you again for allowing us to serve you and your family. We hope
that you will continue to rely on the products and services that we oer to help
you protect your family.
Sincerely,
J. Michael Belz
President/CEO
BOARD OF DIRECTORS
Michael Stolowski
Chair, St. Hedwig, Texas
Charles L. “Chuck” Hughes, Jr., ALMI, ACS
Vice Chair, Bulverde, Texas
Felix Skarpa, FIC
Secretary, Dayton, Texas
Dennis Matthiesen
St. Lawrence, Texas
Robert (Lester) Moczygemba, Sr.
Floresville, Texas
Ronnie Kadlacek, CPA
Tours, Texas
Jo Ann Shimek, FIC
El Campo, Texas
Danny Nortman, MBA
Lindsay, Texas
J. Michael Belz, LLIF
President/Chief Executive Oicer
SPIRITUAL ADVISOR
Most Reverend Michael J. Boulette
San Antonio, Texas
HONORARY SPIRITUAL ADVISORS
Most Reverend Gustavo García-Siller
San Antonio, Texas
Most Reverend José H. Gomez
Los Angeles, California
Rev. Msgr. Larry J. Droll
Midland, Texas
EXECUTIVE OFFICERS
J. Michael Belz, LLIF
President/Chief Executive Oicer
Colleen Z. Berger, CPA, CGMA
Senior Vice President/Chief Financial Oicer
Scott Brant, FLMI, ACS, AAPA, AIAA
Senior Vice President/Information Technology
Barbara A. Cheaney, CSA, FIC
Senior Vice President/Marketing-Communications
Frank Gentile, FLMI, ACS, MBA
Senior Vice President/Chief Underwriter
John Luksa, CFS, ALMI, ACS
Senior Vice President/Director of Sales
Dawn Fanfelle, FLMI, ACS, AIAA, PHR, FIC
Vice President/Human Resources & Training
Janet Friesenhahn, FIC, CSA, LUTCF
Vice President/Director of Agencies
Tricia Michalek, FLMI, ACS, ARA
Vice President/Operations
Michael “Chip” Nance, CFA, MBA
Vice President/Treasurer
OFFICERS
Joy Burditt
Asst Vice President/Operations
Wendy Estess, FLMI
Asst Vice President/AccountingManager
Ramiro Flores, RPA
Asst Vice President/Property Manager
Patrick Massey FLMI, ACS, ARA
Asst Vice President/Programming Manager
Johnny Salazar
Asst Vice President/Systems Administrator
Susan M. Skrzycki
Asst Vice President/Operations
Shanna Smith, ALMI, ACS
Asst Vice President/Executive Assistant/
Corporate Secretary
Peggy von Kaufman, CISP
Asst Vice President/Operations
Kristy Skrzycki
Asst Vice President/Accounting Manager
MESSAGE FROM THE PRESIDENT
President/CEO – J. Michael Belz
Founded in 1901, Catholic Life
Insurance is a faith-based membership
organization that combines financial
strength with a commitment to
serving others. Headquartered in San
Antonio, Texas, Catholic Life Insurance
provides life insurance protection
and retirement products to more than
80,000 members in the South and the
Southwestern United States.
Catholic Life Insurance | 3
Corporate Headquarters: 1635 N.E. Loop 410, San Antonio, Texas 78209 • Mailing Address: P.O. Box 659527, San
Antonio, Texas 78265-9527 Phone: (210) 828-9921 • Fax: (210) 828-4629 • Toll Free Number: 1-800-262-CLIU
The Catholic Life Magazine (USPS 094-120) is published quarterly by Catholic Life Insurance, P.O. Box 659527, San
Antonio, Texas 78265-9527. Periodical Postage Paid at San Antonio, Texas and additional mailing offices. POSTMASTER:
Send all address changes to Catholic Life magazine, P.O. Box 659527, San Antonio, Texas 78265-9527.
Editor: Barbara A. Cheaney • Staff Assistants: Amberley Moczygemba, Danna Morgan • Designed and Produced
by: Lynn Design
FEATURES
ON THE COVER
IN THE NEWS
FAITH IN ACTION
BRANCHES IN ACTION
IN THE KITCHEN
SEMINARIAN SCHOLARSHIP WINNERS NAMED
Supporting our faith-based community is a core value of Catholic Life
Insurance. Meet the most recent recipients of the Msgr. Henkes and the
Msgr. Stuebben Fund Seminarian Scholarships and tomorrow’s future priests.
MEDICARE SUPPLEMENT INSURANCE
Open enrollment is just around the corner. Take a look at Catholic Life’s direct-to-
consumer Medicare Supplement Insurance.
ALL AMERICAN SCHOLAR
Catholic Life is oering scholarships worth $1,000 to 35 graduating
seniors who plan to attend college next fall. Learn more about scholarship
requirements.
Cover Photo – by Clem Spalding. The Home Oice team poses in front of the Angels
Unawares statue during the time it was on display at our home oice.
DEPARTMENTS
FALL 2021
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SBRUSCH
CELEBRATES
25 YEARS
TJ Sbrusch recently celebrated his
25th anniversary as a Catholic Life
agent. The Angleton area resident
received a gold watch as a token of
our appreciation. Thank you, TJ!
A.M. Best Company, the nation's leading insurance rating
analyst, has reaffirmed Catholic Life Insurance’s financial
strength. Effective August 18, 2021, A.M. Best rated Catholic
Life Insurance's financial stability, security, and management
performance as A-(Excellent) with a stable outlook. This is the
38th consecutive year that Catholic Life has earned the "Excellent" rating.
In their financial strength rating rationale, A.M. Best stated, "The stable outlook reflects a very strong
balance sheet."
Best bases its ratings on a comprehensive quantitative evaluation of the organization's balance sheet
strength, operating performance and business profile. They consider Insurers in the excellent category to
have an excellent ability
to meet their ongoing
obligations. Moreover, a
stable outlook indicates a
low likelihood of a rating
change due to stable
financial/market trends.
RATING SERVICE
REAFFIRMS EXCELLENT
STATUS
Longtime Member Honored
Edleen Buxkemper of Rowena, Texas, was
honored recently for her 74 years as a Catholic
Life member. Mrs. Buxkemper joined Catholic Life
in June 1947 when she was 21-years old.
Agent Donnie Schwertner presented Mrs.
Buxkemper with a certificate and a golden rosary.
Thank you, Mrs. Buxkemper, for having faith in us
in 1947 and throughout the years.
Golden Rosary
and Certificate
Catholic Life Magazine | 5
WERNER HALFMANN
Former Chairman of the Board Werner Halfmann of Lowake, Texas, passed away on August 23, 2021,
at the age of 88.
A Mass of Christian burial was celebrated on August 28, 2021, at St. Joseph Catholic Church in Rowena, Texas.
Werner served as Chairman of the Board for Catholic Life Insurance for four years and as the District 1 Director for
eight years. After serving on the Board, he continued his aliation with Catholic Life as a sales representative and,
in 2007, was the top producer for the organization.
In 2013, the American Fraternal Alliance honored Werner with the Fraternal Field Agent of the Year Award. is
award is a joint award program of the Fraternal Field Managers Association (FFMA), the National Association of
Fraternal Insurance Counselors (NAFIC), and the American Fraternal Alliance.
At the presentation, former Alliance President Joseph Annotti said, “It is tting that Werner Halfmann should be
selected as a winner of this award. His community involvement demonstrates in no uncertain terms that this is
what makes the fraternal benet system dierent, what sets us apart. He is not just a nancial representative. He
personies the very essence of the fraternal spirit.”
Werner donated the $1,500 cash prize he received to the Lowake Community Center for playground equipment. He
loved Catholic Life and made many lifelong friendships while serving.
Besides being active in the community, Werner was a rancher and a farmer in Lowake and surrounding areas. He
ranched the Middle Concho Ranch in Mertzon for 39 years.
A devoted family man, he is survived by his wife Kay, two daughters, two sons, 11 grandchildren, and 14 great-
grandchildren.
MILDRED BAYER
Mildred Bayer, the wife of Greater Houston Branch President and Agent EJ Bayer, died on August 14, 2021.
She was 84.
A native of the Schulenburg area, Mildred grew up in St. Mary’s Catholic Church in High Hill, Texas. She was
devoted to her family and was a great helpmate to her husband, EJ Bayer, during his 57-year career with
Catholic Life.
A Mass of Christian Burial was oered on August 20, 2021, at St. Mary’s Church. Interment followed in the St.
Mary’s Cemetery.
She is survived by her husband, a daughter, three sons, eight grandchildren, and three great-grandchildren.
Eternal rest grant unto them, O Lord, and let perpetual light shine upon them.
May their souls and all the souls of the faithful departed,
through the mercy of God, rest in peace.
Amen.
CONTACT US
Phone: ....................................................(210) 828-9921
Toll free:..................................................(800) 262-2548
Fax: ...................................................... (210) 828-4629
Website:................................................... www.cliu.com
General Email: .............................................[email protected]
Office Hours: .........8 a.m.–5 p.m. Monday–Thursday; 8 a.m.–3 p.m. Friday
6 | cliu.com
Diocese of Amarillo
Holy Cross Catholic Academy – Amarillo
St. Anthony Catholic School – Hereford
St. Anthony of Padua Catholic School – Dalhart
St. Joseph Catholic Elementary & Montessori Preschool – Amarillo
Diocese of Austin
Bishop Reicher Catholic School – Waco
Holy Trinity Catholic High School – Temple
Diocese of Beaumont
St. Catherine of Siena Catholic School – Port Arthur
Diocese of Corpus Christi
Bishop Garriga Middle Preparatory School – Corpus Christi
Our Lady of Perpetual Help Academy – Corpus Christi
St. Anthony Catholic School – Robstown
St. John Paul II High School – Corpus Christi
Diocese of Dallas
Good Shepherd Catholic School – Garland
Holy Family Catholic Academy – Irving
Immaculate Conception Catholic School – Grand Prairie
Mount St. Michael Catholic School – Dallas
St. Bernard of Clairvaux Catholic School – Dallas
St. Cecilia Catholic School – Dallas
St. Elizabeth of Hungary Catholic School – Dallas
St. Joseph Catholic School – Waxahachie
St. Philip & St. Augustine Catholic Academy – Dallas
Diocese of Fort Worth
Cassata Catholic High School – Fort Worth
Immaculate Conception Catholic School – Denton
Sacred Heart Catholic School – Muenster
St. John the Apostle Catholic School – North Richlands Hills
St. Mary Catholic School – Gainesville
Archdiocese of Galveston-Houston
Holy Rosary Catholic School – Rosenberg
Our Lady of Lourdes Catholic School – Hitchcock
St. Elizabeth Ann Seton – Houston
St. Helen Catholic School – Pearland
St. Jerome Catholic School – Houston
St. John XXIII College Preparatory – Katy
Diocese of Laredo
Our Lady of Refuge Catholic School – Eagle Pass
Archdiocese of San Antonio
Antonian College Preparatory High School – San Antonio
Blessed Sacrament Catholic School – San Antonio
Holy Cross of San Antonio – San Antonio
Holy Name Catholic School – San Antonio
Incarnate Word High School – San Antonio
Little Flower Catholic School – San Antonio
Mount Sacred Heart Catholic School – San Antonio
Notre Dame Catholic School – Kerrville
Our Lady of Grace Catholic School – Pleasanton
Our Lady of Perpetual Help Catholic School – Selma
Our Lady of the Hills College Prep – Kerrville
Providence Catholic School – San Antonio
Sacred Heart Catholic School – Floresville
Sacred Heart Catholic School – Uvalde
St. Gerard Catholic School – San Antonio
St. Gregory the Great Catholic School – San Antonio
St. James Catholic School – Seguin
St. John Berchmans Catholic School – San Antonio
St. John Bosco School – San Antonio
St. John Paul II Catholic High School – New Braunfels
St. Louis Catholic School – Castroville
St. Luke Catholic School – San Antonio
Saint Mary Magdalen Catholic School – San Antonio
Saint Monica Catholic School – Converse
St. Paul Catholic School – San Antonio
St. Peter Prince of the Apostles School – San Antonio
St. Pius X Catholic School – San Antonio
St. Thomas More Catholic School – San Antonio
The Atonement Academy – San Antonio
Diocese of Tyler
Bishop Thomas K. Gorman Catholic School – Tyler
Diocese of Victoria
Holy Cross Catholic School – Bay City
Nazareth Academy Catholic School – Victoria
Our Lady of the Gulf Catholic School – Port Lavaca
Our Lady of Victory Catholic School – Victoria
Sacred Heart Catholic School – Hallettsville
Shiner Catholic School – Shiner
St. Anthony Catholic School – Columbus
St. Joseph Catholic School – Yoakum
St. Michael Catholic School – Weimar
St. Rose Catholic School – Schulenburg
PARTICIPATING SCHOOLS INCLUDE:
This year more schools than ever will take part in the Catholic
Schools Sweepstakes. A record 73 schools from 11 Texas
dioceses are participating in the program.
Created 16 years ago to help Catholic Schools raise money to
continue to provide solid, faith-based education, the Catholic
Schools Sweepstakes has helped schools raise more than
$11 million. Best of all, 100% of the proceeds go directly to
the school.
“Our goal is to raise more than $1 million this year with all
monies raised to go directly and immediately to the school,”
said Catholic Life Insurance President J. Michael Belz. “This is
our way of helping Catholic schools and giving back to our
faith-based community. We are proud of what we have been
able to accomplish thus far for Catholic education.”
Students sell $5 rae tickets that we enter into a drawing that
will take place at the Home oce on February 14, 2022. The
grand prize winner will have the choice of a 2022 Ford F-150
Truck, a 2022 Ford Fusion Sedan, or a pre-paid $20,000 VISA
card. Additionally, every participating school will have a $1,000
Prepaid VISA Card winner. Catholic Life prints the rae tickets
and all marketing materials as well as underwrites all prizes.
We encourage all members to support Catholic education by
purchasing a ticket from one of the participating schools to
support Catholic education.
RECORD NUMBER OF SCHOOLS JOIN CATHOLIC SCHOOLS SWEEPSTAKES
Austin Barr
Javier Ebertowski
Rafael Becerra
"Ed" Hopkins
SEMINARIAN SCHOLARSHIPS AWARDED
In keeping with Catholic Life’s long-standing support of priestly vocations, Catholic Life awarded four
scholarships through the Msgr. Henkes and Msgr. Stuebben Seminarian Scholarship Funds. Both non-profit
funds help future priests in their journey towards ordination. Since 1987, we have given more than $420,000 in
scholarships.
Austin Barr of New Orleans, Louisiana, and Javier Ebertowski of Corpus Christi, Texas, received a scholarship
from the Rev. Msgr. Henkes Seminarian Scholarship Fund.
Barr attends Notre Dame Seminary, where he is studying for the Archdiocese of New Orleans.
Ebertowski attends the Pontifical North American College in Rome, where he is studying for
the Diocese of Corpus Christi. Both are first-time recipients.
This scholarship honors the late Msgr. Albert George Henkes who served as Catholic Life’s
Spiritual Advisor for 27 years. The scholarship is open to Texas, Arizona, Florida, Louisiana,
Oklahoma, New Mexico, and Mississippi residents enrolled in a Roman Catholic Seminary.
Rafael Becerra and Randolph “Ed” Hopkins, Jr. of San Antonio, Texas, received the Rev. Stuebben Seminarian
Scholarship. Becerra will serve the Archdiocese of San Antonio, and Hopkins will serve the Diocese of Ft. Worth.
Both are repeat recipients.
This scholarship fund honors the late Msgr. Lawrence J. Stuebben who also served as Catholic Life’s spiritual
advisor. The scholarship is open to students studying at Assumption Seminary in San Antonio, Texas, where
Msgr. Stuebben served as Rector.
Catholic Life Magazine | 7
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OPEN ENROLLMENT
DIRECT-TO-CONSUMER MEDICARE SUPPLEMENT INSURANCE
Open enrollment seasons for Medicare Supplement Insurance is just
around the corner. Beginning October 15 through December 7, the
Medicare Open Enrollment Period (OEP) is the time each year when
you can review your coverage and make changes to your plans.
In 2018, Catholic Life was the first to offer a completely direct-to-
consumer Medicare Supplement Insurance product. We recently sat
down with President Belz to talk about this new member benefit.
Q: Tell us about Medicare Supplement insurance from Catholic Life
A: Like the overall U.S. population, our members are aging. They want and need Medicare
Supplement insurance.
Our goals in offering this product are:
▪
To provide a product that benefits our members by helping them save money
▪
To build awareness about Catholic Life Insurance
▪
To generate leads for our Agents
That’s why we partnered with a large insurance carrier to develop this product. We wanted to
offer the best coverage at an affordable rate.
Medicare Supplement insurance, also called a Medigap plan, helps pay some of the health care
costs that Medicare doesn't cover, like:
▪
Copayments
▪
Coinsurance
▪
Deductibles
And like Medicare, eligibility for Medicare Supplement insurance begins at age 65. Because the
US government highly regulates Original Medicare, the primary difference in Medigap plans
between carriers is price and service. Prices may vary depending on your geographic location or
your health.
Q: What does direct-to-consumer mean?
A: Direct-to-consumer means that our members can go online 24/7 to
catholicmedicaresupp.com or call 1-844-633-6565 to purchase coverage. In most cases, you
find out within minutes if you qualified. Direct-to-consumer also means that this product is not
available from your Catholic Life Agent. It is only available online or on the telephone.
Q: Why can’t I buy this product from my Catholic Life Agent?
A: Our Agents are experts in life insurance and retirement annuities. Those products can be
complicated with many different types and options. You need someone helping you put together
the right plan for your family to achieve your financial goals.
Meanwhile, Medicare Supplement insurance is the same for every carrier. The only difference is
the service your carrier provides and the price you pay.
Q: What if I have a question when I am purchasing coverage?
A: Because we partnered with another insurer to offer this product, we are taking advantage of
their experienced call centers. By calling 1-844-633-6565 or using the online chat feature, you can
speak with individuals who specialize in Medigap plans. Members who have reached out to the
call center have found them to be very helpful. Many have reported significant savings from their
current plan.
Q: What if I have a question about a claim?
A: Catholic Life is committed to providing members with first-class service. If you have a
question after you have purchased a Medigap plan from Catholic Life, simply call 1-877-888-0796.
Again, highly trained individuals who understand Medicare Supplement insurance will answer
your call.
8 | cliu.com
If you cannot remember the number to call, you can always access sales or service through
the Catholic Life Insurance home office telephone system. By choosing Option 8 on the menu,
you are connected directly to new Medicare supplement sales; Option 9 connects you to the
service number.
Q: Will I be able to keep my doctor?
A: Yes, as long as your physician or provider accepts Medicare, your Medicare Supplement
insurance will also be accepted.
Q: When is the best time to enroll in a Medigap plan?
A: The best time to enroll in a Medicare Supplement plan is generally during your Medicare
Supplement Open Enrollment Period. For most people, this period starts the month that
you turn 65 and have Medicare Part B, and goes for six months. During this time, you are
guaranteed to get coverage, regardless of any health issues you may have.
Q: Should I switch from my current Medicare Supplement insurance plan
to Catholic Life?
A: It depends. Sometimes, as your health and financial needs change, you may realize that
your current Medigap coverage is no longer a good fit for you. There can be good reasons to
consider changing Medicare Supplement insurance plans:
▪
You’re dissatisfied with your Medigap insurance company.
▪
Your plan premiums have gotten too expensive.
▪
You want a plan with less coverage because you’re paying for benefits you’re not
using or don’t need.
▪
You need more coverage now than when you first enrolled in your plan.
However, you should proceed cautiously. If you switch outside of the open enrollment period,
you will have to undergo medical underwriting to determine your eligibility. If your health is
poor, you may not qualify for coverage. We recommend that you keep your current coverage
until you receive approval from Catholic Life.
Q: Why should I purchase a Medigap plan from Catholic Life?
A: Why not? As a member-owned and operated organization, we’re committed to providing
the best products and services to help our members meet their financial goals.
Catholic Life Magazine | 9
Once again, I continue to reect on the beauty of our Creed as we embrace this
Ordinary Time in the liturgy whose purpose is to count the graces we have received
and the blessings of our Catholic faith: [I believe] in One, Holy, Catholic, and Apostolic
Church.
On another occasion we can discuss the nature of the Church, but on this occasion I
prefer to write about the very reason for the Church’s existence.
e early events of Jesus’ public ministry help clarify the meaning of the Church,
understood as a “new Israel.” Luke 4:14-30 tells the story of Jesus returning to
Nazareth, attending the synagogue there, and announcing the fulllment of the
Promise of Messiah. In Jesus’ day, after the priestly reading of one of the rst ve
books of the Hebrew Scripture -- the Torah -- in the synagogue, any 30-year-old Jewish
man was allowed to choose and read a second reading from the prophets. It was
this privilege Jesus exercises when he reads two dierent texts from the book of the
prophet Isaiah and then proclaims, “’Today this Scripture passage is fullled in your
hearing.’”(v21). In this way He announces His Messianic presence.
e Israelites who hear are pleased and claim Him as their own. ey love the miracles
he has worked and they are ready for the wonders He might work in their midst.
However, Jesus also draws from ancient Scripture and proclaims that the Messiah,
like Elijah and Elisha before him, will obey God by reaching our beyond Israel’s
boundaries to proclaim God’s imminent reign. At this point the people of Nazareth
reject Jesus as Messiah. ere is an immediate change of attitude on their part (think
of the change from Palm Sunday’s cheers to Good Friday’s cross). ey try to kill him.
Jesus returned to Nazareth, him hometown, expecting support! ink for a minute of
what you expect when you or your children come home: great advice, real support,
and a full table of goodies! at is, real SOLIDARITY with them on their journey.
Jesus did not return to seek approval of the people to BE the Messiah! at was
His call from the Father/God! Rather He went home to begin His ministry and His
leadership seeking a Messianic people; people who would one day be the CHURCH,
the “called-out” ones who would assist in this proclamation of the Kingdom of God.
Since the people rejected Him, now He needed a new people. He begins to call His rst
disciples. In Luke 5:1-11 we nd that those who would be called are of the crowd that
“was pressing in on Jesus and listening to the word of God.”(v1). Jesus’ new followers
believed, rst of all, that when Jesus spoke, God spoke. Faith in Jesus and His divinely
appointed mission would be the basis for the relationship, for the Church.
May we together recommit ourselves to this Catholic Church and to the mission of
Jesus Christ!
Most Reverend
Mike Boulette
Catholic Life Insurance
Spiritual Advisor
10 | cliu.com
Mike Dieter – Lindsay, TX
Ricky Schroeder – Windthorst, TX
Charley Matherne Jr., FSS, LUTCF – Lake Charles, LA
LEADING LIFE INSURANCE PRODUCERS
LEADING GENERAL AGENCY
Eugene Smart, CLU, MBA, FIC
Smart & Associates - Houston, TX
LEADING ANNUITY PRODUCERS
Brooke Hoffman – Buda, TXBrenda Burton – Prairieville, LA
Robin Christensen – Milton, FL
Michael Williams – Lewisville, TX
Rick Pennycuff, FIC – Graham, TX
Elaine Labus – Floresville, TX
LEADING PERSONAL
PRODUCING AGENT
Glenn Snoga
Seguin, TX
Glenn Snoga – Seguin, TX
Mike Dieter – Lindsay, TX
Patrick Klozik, FIC, LUTCF – Shiner, TX
David Walker, LUTCF, FIC
Walker Agency - Farmers Branch, TX
Leading Producers
AS OF JUNE 30, 2021
Catholic Life Magazine | 11
12 | cliu.com
John Luksa, CFS,
ALMI, ACS
Senior Vice President/
Director of Sales
Who likes "use it or lose it" scenarios?
Interested in long-term care but not willing to buy into a product that you may lose if you
don't use?
According to 2020 data from the US Department of Health and Human Services, nearly 70%
of those turning 65 today will need some type of long-term care.
Long-term care insurance is coverage that will pay for assisted living, nursing home care, or
home health care if you cannot care for yourself because of chronic conditions or disability.
Chronic conditions could include severe cognitive impairment, such as dementia, strokes,
Parkinson's, and Alzheimer's, or you can't do two out of the six activities of daily living.
Those activities of daily living are:
▶ Bathing
▶ Caring for incontinence
▶ Dressing
▶ Eating
▶ Toileting
▶ Transferring (getting in or out of bed or a chair)
Buying a long-term care insurance policy is one way to plan financially for a time when you
might need to pay for help to take care of yourself in the future. Unfortunately, rising long-term
care costs that have substantially outpaced inflation make it very diicult for anyone to aord
long-term care. In addition, most plans today require you to use it in your lifetime, or you will
never see those premiums you spent for the coverage again. As a result, many people look
for long-term care solutions that allowed them more flexibility of their assets without locking
them into a dedicated long-term care policy that they may never use.
Catholic Life has an alternative that might fit your needs if you are in good health.
What if you could use monies you are currently not using for living expenses and
reposition them to serve two needs, inheritance to heirs and long-term care funds?
Our innovative Single Premium Whole Life Plus Plan provides:
▶ Death Benefits – up to $370,000
▶ Accelerated Death Benefit Rider – Access up to 90% of your death benefit
for chronic illness
▶ Wealth Transfer Death Benefit – Up to as much as 1 1/2 to 3 times your initial
premium deposit in many scenarios
Consider this case study.
Norah Jones, a widow, is 65 years old. When her husband was alive, they prepared well for
retirement. The 401(k) and annuities they contributed to during their working years have
left her with an income stream for retirement. Norah has a certificate of deposit (CD) worth
$188,657.70 at her local bank, earmarked for her grandchildren. While she is currently in
excellent health, Norah worries about the future. She wants to put her money to work for her,
and at the same time, she would like to have access to these monies for long-term care.
If Norah were to consider a Single Premium Whole Life Plus certificate for $188,657.70, she
would have a death benefit of $370,000, almost doubling her inheritance to her grandchildren.
Catholic Life Magazine | 13
3.50
%*
APY
*Includes Current Yield + 1.65% First Year Additional Interest.
Interest rates are subject to change. Minimum guaranteed rate is 1.00%.
Home Office: San Antonio, TX #ASU 10/21
TAX -DEFERRED ANNUITIES
·
IRAs
·
ROLLOVERS
Do Your Long Term
& Retirement
Savings Plans
Stack Up?
For Information Call Your Local Agent or the Home Office:
1-800-262-2548
In addition, because life insurance is income tax-free, the
full death benefit of $370,000 will go to her grandchildren
income tax-free.
Additionally, Norah would be able to access up to 90%
($333,000, almost double what she put into the plan) from
her certificate if she needed it for home healthcare or
nursing care if she cannot perform two of the six activities of
daily living.
Moreover, the best part is if she never needs to use this
benefit, her cash value in her certificate will continue to
grow during her lifetime. When she deposits the $188,657.70
into the certificate, she will break even in approximately
five years with a cash value of $191,057. That amount will
increase to $221,637 at age 75 and $283,594 at age 85.
If you could almost double what you leave to your
beneficiaries income tax-free and if you ever needed
long-term care, almost double what you can access in
your lifetime, would you consider your options?
Single-Premium Whole Life Plus
$188.657.70 Initial Premium
Age End of Year Cash Value Death Benefit
66 1 $168,565 $370,000
70 5 $191,057 $370,000
75 10 $221,637 $370,000
80 15 $253,332 $370,000
85 20 $283,594 $370,000
90 25 $309,683 $370,000
Be sure to reach out to your Catholic Life agent today to
review your long-term plans and gain peace of mind that
you are on track with your goals.
14 | cliu.com
35 College Scholarships
Now Available from Catholic Life!
GOAL
To award 35 non-renewable college or trade school scholarships worth
$1,000 each to graduating seniors who are Catholic Life Insurance members.
ELIGIBILITY
Students must plan to enroll full-time in a public or private college/university or trade school for the Fall 2022 semester.
e $1,000 scholarships will be awarded to deserving students to help oset the cost of post-secondary education.
CRITERIA
All applicants:
▷ Must be a Catholic Life Insurance member in good standing at time of application. Members insured under the
Family Plan do not qualify.
▷ Must maintain membership during the scholarship period.
▷ Must be a graduating high school senior attending a university, college or accredited trade school in the fall.
▷ Must have at least a 3.0 grade point average on a scale of 4.0.
▷ Must display leadership skills.
▷ Must be an active volunteer.
▷ Must complete the application, submit an essay, submit one letter of recommendation and provide a photo
suitable for publication.
▷ Executive Ocers’ and Directors’ children are not eligible.
PRESENTATION
▷ Payment will be made directly to the school and not the student.
▷ Funds must be used by Dec. 31, 2022.
▷ News releases will be sent to local newspapers.
▷ Winners will be announced in Catholic Life Magazine.
For more information, contact the Communications Department
at (210) 828-9921 ext 256 or by email at [email protected]
“Like” us on Facebook to
receive instant updates on the
All American Scholarship.
Catholic Life Magazine | 15
All American Scholar Award Application
GENERAL INFORMATION
Name Last 4 SS # DOB
Mother’s Name Father’s Name
Mailing Address
City State Zip
Daytime Phone Email*
Local Newspaper(s)
COLLEGE/UNIVERSITY/TRADE SCHOOL INFORMATION
Intended School for Fall Semester
Mailing Address
City State Zip
HIGH SCHOOL INFORMATION
School Name
Street Address
City State Zip
Graduation Date Class Rank
Class Size Cumulative GPA (4.0 scale)
SIGNATURES
I hereby apply for a Catholic Life All American Scholar Award and acknowledge that I am a member in good standing. I attest that all of the
information above is true and complete to the best of my knowledge.
Student’s Signature Email Date
Parent’s Signature Email Date
Annuities • IRAs • 401(k) Rollovers
(See next page for additional information.)
*This is our primary form of communication with applicants. Please provide an email address that you check frequently (you may use your parent's email address), as you will
receive important notifications from us regarding your application status via email. We do not share this information or send spam.
(If you are applying for more than one school, please indicate your top choice above.)
Please type or print all information. Must be received by March 4, 2022.
Student must be a Catholic Life Insurance Member.
Certicate #:
16 | cliu.com
COMMUNITY SERVICE
On a separate sheet of paper (typed and double spaced), list volunteer hours for service activities. Include name of organization, activity or
event, dates of participation, and total hours worked.
EXTRACURRICULAR/OUTSIDE ACTIVITIES/EMPLOYMENT
On a separate sheet of paper (typed and double spaced), list organizations/activities in which you participated during your high school
years. Examples could include student government, school newspaper, athletics or band. Include leadership positions. Also list all
employers, job/type of work and average number of hours worked per week.
ADDITIONAL REQUIREMENTS
1. You will need one letter of recommendation. Ask your recommender to give the letter to you in a sealed envelope with his or her
signature written across the seal. You are responsible for submitting the sealed recommendation with your application. Please ask that
a daytime phone number be included in or with the letter. Reccommendation letters from family members will not be accepted.
2. Submit a 250-word or less essay (typed and double spaced) describing the volunteer experience you found to be the most meaningful.
Explain why you chose this particular experience for your topic. What did you learn about yourself and about others? How has this
experience changed you? Has it changed how you interact with others? How has it changed your community for the better? Print your
name and the last four digits of your Social Security Number at the top of each page.
3. Include an ocial high school transcript.
4. Include a professional looking head shot photo (Senior photos are ideal). Photos printed on copy paper and/or from your home printer are
not acceptable. Digital les such as jpeg, tif, or png, are acceptable, and must be at least 2x2 inches and 300 dpi. All materials become
property of Catholic Life Insurance. If emailing photos, send to [email protected].
Please do not use staples to attach application materials.
MAILING INFORMATION
TRADITIONAL MAIL: OVERNIGHT DELIVERY:
Catholic Life Insurance Catholic Life Insurance
Attn: All American Scholar Award Attn: All American Scholar Award
P.O. Box 659527 1635 NE Loop 410, Suite 100
San Antonio, Texas 78265-9527 San Antonio, Texas 78209-1694
Completed applications must be received by March 4, 2022.
No exceptions will be made.
For information call: (210) 828-9921 or email: [email protected]
All American Scholarship, continued
Catholic Life Magazine | 17
Honoring Our Fathers – St. Philip Neri
Church Parishioners were honored with
a generous gift from the Pep Branch
on Father's Day. The Branch also
honored parish mothers with a special
presentation on Mother's Day.
Keeping Cool – Brazosport Branch Officers present 15 Box
Fans to Actions of Brazoria County. The agency will distribute
them to needy Brazoria Seniors 65 and older to help them
combat the summer heat.
Beautiful Music – Harper Branch First Vice President
Roy Kasper presents a check to Harper Longhorn Band
Booster Bill Long to help finance the Harper Band Trip to
Hawaii. The mighty Longhorn Band will perform at the 80th
Anniversary Commemoration of the Pearl Harbor attack.
Playground Beautification – Poth Branch Members trim trees at
Blessed Sacrament Church to keep the playground in tip-top shape
for the children.
Preparing for the Future – Agent Mike Dieter presents
Nash Dieter, Avery Hughes, and Lauren Colwell with senior
scholarships from the Lindsay Branch.
18 | cliu.com
Remembering Those Who Served – Area Boy Scouts join
with Shiner Branch members to place flags on the graves of
men and women who served their country in the U.S. military.
All-Aboard for Vacation Bible School – The St
Lawrence Branch treated the Rocky Mountain
Railway VBS to lunch. Branch officers cooked
hotdogs and homemade chili for the 76 participants
and 43 adults present on the last day.
Changing Out Old Glory – Carson County Branch
Officers present White Deer Senior Citizens with a new
American Flag for the Center.
Back to School for Seminarians – St. Hedwig Branch Officers ensured that seminarians returning to Assumption Seminary had
needed supplies. The group assembled 57 goody bags with snacks, school supplies, laundry detergent, and gift cards.
Catholic Life Magazine | 19
Field Green Salad
Salad:
Bag of Field Greens
1 cup sliced strawberries (you can add blueberries, mandarin
oranges, any kind of fruit you like)
½ cup of pecan pieces
½ cup of shredded mild cheddar
Dressing:
¼ cup Red Wine Vinegar (I also use Sherry Vinegar)
⅓ cup sugar
½ cup olive oil
1 clove minced garlic
Add dressing to salad and toss
Great salad for any time of year and with any dish!
Sandra Bretzke
Rio Medina, Texas
Twice-Baked Potatoes Casserole
6 medium unpeeled potatoes, baked
¼ tsp. salt
¼ tsp. pepper
1 pound sliced bacon, cooked and crumbled
3 cups sour cream
2 cups shredded mozzarella cheese
2 cups shredded cheddar cheese
2 green onions, chopped
Cut baked potatoes into 1" cubes.Place half in a greased 13 x 9"
baking dish. Sprinkle with half of the salt, pepper and bacon.
Top with half of the sour cream and cheeses.Repeat layers. Bake,
uncovered, at 350 degrees for 20 minutes or until cheese is melted.
Sprinkle with onions.Yield: 6-8 servings.
Judy Leopold
Nada, Texas
Texas Sheet Cake (German Chocolate Cake)
For the Cake:
½ lb. (2 sticks) butter 3 eggs
1 cup water ¼ cup cocoa powder
1 tsp. baking soda 2 cups sugar
2 cups our 1 (8 oz.) pkg. sour cream
½ tsp salt
For the Frosting:
1 stick butter 1 lb. powdered sugar
¼ cup cocoa powder 1 tsp. vanilla extract
6 tbsp. milk 1 cup chopped pecans
To prepare cake, combine butter, water and cocoa in medium
sauce pan, bring to boiling and cook at a simmer for 2 min. Add
our, sugar and salt. Blend well. Remove pan from heat and beat
in the eggs, sour cream and baking soda until smooth. Pour batter
in a greased and oured 10X15” pan and bake in a preheated
375-degree oven for 20-22 minutes or until cake tests done.
To prepare frosting, use the same sauce pan and combine butter,
cocoa and milk. Bring just to boiling and let simmer for 1 minute.
Remove from heat, add sugar, vanilla and chopped nuts and mix
well. When the cake is nished baking, remove from the oven and
let stand in pan on rack. Spread on frosting while the cake is still
in the pan and warm.
Note: Do NOT turn the entire cake out of the pan. Remove pieces
with spatula.
Anna Hitzfelder
La Coste, Texas
CALLING ALL
COOKS!
WE WANT YOUR RECIPES! Submit your recipes to us today for a chance to appear as a featured chef in the
next edition of our quarterly Catholic Life Magazine! If your recipe is chosen for publication, we will send you a
check for $15 and a Cooking With Catholic Life apron. Email your recipe to [email protected], fax to (210) 828-
4629, or mail to: Catholic Life Insurance, Attn. Recipes, P.O. Box 659527, San Antonio, Texas 78265
We would like to thank all of those who share their favorite recipes with us, so that we may in turn, share them
with the entire base of our members and their families, our agents, our branches, and our own families.
Very Good Meat Loaf
Meat Loaf:
2 lb. ground beef
2 eggs
¾ cup milk
1 cup dry white bread crumbs
2 scant tsp. salt
½ tsp. pepper
½ cup grated carrots
¼ cup minced onions
Topping:
¼ cup ketchup
2 tbsp. prepared mustard
3 tbsp. brown sugar
Beat eggs in mixing bowl. Mix in the remaining ingredients for the
meat loaf; mix very thoroughly. Shapen in a 5X9 inch loaf pan. Mix
topping and spread over the loaf. Bake at 300 degrees for 1½ hours.
(Note: the lower temperature keeps the meat from shrinking.)
Mildred Wieck
Dumas, Texas
KITCHEN
in the
As school days resume and the weather turns a little
cooler, it is time to bring out those tried and true recipes.
Here’s some favorites guaranteed to please your family.
20 | cliu.com
No$ce of Protected Health Informa$on Privacy Prac$ces
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND
HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
Catholic Life InsurancePlease
read it carefully
•
•
and
•
protect
not disclose
use disclose
Uses and Disclosures of Your PHI:
•
For Payment.
•
For Health Care Opera$ons.
20 | cliu.com
•
•
•
•
•
•
•
•
•
or
•
Catholic Life Magazine | 21
Your Authoriza$on to Use and Disclosure PHI:
Your Rights Regarding Your PHI:
Right to Request Restric$ons.
Right to Request Confiden$al Communica$ons.
Right to Inspect and Copy Your PHI.
22 | cliu.com
Medicare Supplement Insurance
Life Insurance
Amendment.
Accoun$ng.
Right to a copy of this no$ce.
Changes to This No$ce.
Contac$ng Us:
•
•
•
•
Catholic Life Magazine | 23
P.O. Box 659527
San Antonio, TX 78265-9527
Greg Ovino, Director of Sales Recruiting, 1-800-262-2548 ext 166
*Licensing assistance provided Home Oice: San Antonio, TX RC 1/17
Start
a Second
Career...
That Provides an
Opportunity to Share Your
Values of Faith & Family.
Catholic Life Insurance oers an exciting and fulfilling sales career for individuals interested
in helping Catholic families. We provide:
■ Life Insurance Sales Training* ■ Flexible Hours
■ Marketing Support ■ Unlimited Income Potential
